{"id":6341,"date":"2020-10-09T00:08:39","date_gmt":"2020-10-08T16:08:39","guid":{"rendered":"http:\/\/\/?p=6341"},"modified":"2021-11-25T20:51:53","modified_gmt":"2021-11-25T12:51:53","slug":"financial-planning","status":"publish","type":"post","link":"https:\/\/\/financial-planning\/","title":{"rendered":"\u6211\u7684\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u5fc3\u5f97\uff08\u6587\u672b\u7d22\u53d6\u81ea\u52d5\u7406\u8ca1\u8ab2\u7a0b\u5c08\u5c6c\u512a\u60e0\uff062\u5c0f\u6642\u514d\u8cbb\u8aee\u8a62\u670d\u52d9\uff09"},"content":{"rendered":"Reading Time: <\/span> \u5c11\u65bc 1<\/span> minute<\/span><\/span>\n

\u4e03\u6708\u5e95\u7684\u6642\u5019\uff0c\u59ae\u5a1c\u53d7\u5230\u670b\u53cb\u63a8\u85a6\uff0c\u5728\u4e00\u9593\u5c08\u696d\u7684\u7406\u8ca1\u9867\u554f\u516c\u53f8\uff0c\u505a\u4e86\u4eba\u751f\u7b2c\u4e00\u6b21\u7684\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u3002\u9019\u4e00\u53bb\uff0c\u624d\u767c\u73fe\u81ea\u5df1\u505a\u7684\u7406\u8ca1\u898f\u5283\u592a\u7c21\u55ae\u4e86\uff01\u751a\u81f3\u7a31\u4e0d\u592a\u4e0a\u7406\u8ca1\u898f\u5283\u3002

\u6211\u60f3\u900f\u904e\u9019\u7bc7\u6587\u7ae0\uff0c\u7d00\u9304\u4e00\u4e0b\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u5f8c\uff0c\u6709\u4ec0\u9ebc\u5fc3\u5f97\u8207\u6536\u7a6b\uff0c\u6700\u5f8c\u6703\u8ddf\u5927\u5bb6\u4e00\u8d77\u5206\u6790\uff0c\u5230\u5e95\u9700\u4e0d\u9700\u8981\u63a5\u53d7\u5c08\u696d\u7684\u7406\u8ca1\u898f\u5283\uff1f

\u672c\u4f86\u60f3\u8981\u8aee\u8a62\u5f8c\u5c31\u5206\u4eab\u7684\uff0c\u7d50\u679c\u9019\u5169\u500b\u6708\u4e00\u76f4\u6709\u5176\u4ed6\u4e8b\u60c5\uff0c\u6240\u4ee5\u5c31\u62d6\u5230\u73fe\u5728\u4e86\uff08\u62d6\u5ef6\u75c7\u4e4b\u540e\u5c31\u662f\u6211XD\uff09<\/p>\n\n\n\n

\u6587\u7ae0\u5feb\u901f\u5c0e\u89bd<\/strong><\/p>\n\n\n\n

\u4e00\u3001\u7406\u8ca1\u898f\u5283\u662f\u4ec0\u9ebc\uff1f\u5176\u5be6\u6211\u5011\u5f9e\u5c0f\u5c31\u6703
\u4e8c\u3001\u70ba\u4ec0\u9ebc\u7406\u8ca1\u898f\u5283\u90a3\u9ebc\u91cd\u8981\uff1f
\u4e09\u3001\u6211\u76ee\u524d\u7684\u7406\u8ca1\u898f\u5283
\u56db\u3001\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u5fc3\u5f97
\u4e94\u3001\u7e3d\u7d50\uff1a\u771f\u7684\u9700\u8981\u5c08\u696d\u7684\u7406\u8ca1\u898f\u5283\u9867\u554f\u55ce\uff1f
\u516d\u3001\u3010\u59ae\u5a1c\u8b80\u8005\u7368\u4eab\u30112\u5c0f\u6642\u514d\u8cbb\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u670d\u52d9
\u4e03\u3001\u3010\u59ae\u5a1c\u8b80\u8005\u512a\u60e0\u30119.5\u5c0f\u6642\u300c\u81ea\u52d5\u7406\u8ca1\u5be6\u6230\u8ab2\u300d<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u4e00\u3001\u7406\u8ca1\u898f\u5283\u662f\u4ec0\u9ebc\uff1f\u5176\u5be6\u6211\u5011\u5f9e\u5c0f\u5c31\u6703<\/h2>\n\n\n\n

\u7406\u8ca1\u898f\u5283\u53ef\u4ee5\u5f88\u7c21\u55ae\uff0c\u4e5f\u53ef\u4ee5\u5f88\u8907\u96dc\u3002\u8aee\u8a62\u5c08\u696d\u7684\u7406\u8ca1\u898f\u5283\u9867\u554f\u5f8c\uff0c\u6211\u624d\u77e5\u9053\u7406\u8ca1\u898f\u5283\u7684\u4e16\u754c\u90a3\u9ebc\u5927\u3002

\u70ba\u4ec0\u9ebc\u8aaa\u6211\u5011\u5176\u5be6\u5f9e\u5c0f\u5c31\u6703\u7406\u8ca1\u898f\u5283\u4e86\u5462\uff1f

\u5982\u679c\u5c0f\u6642\u5019\u6709\u62ff\u904e\u7238\u5abd\u7d66\u7684\u96f6\u7528\u9322\uff0c\u4f60\u4e00\u5b9a\u6703\u5728\u62ff\u5230\u96f6\u7528\u9322\u4e4b\u524d\uff0c\u958b\u59cb\u601d\u8003\u81ea\u5df1\u8981\u628a\u9019\u7b46\u9322\u82b1\u5728\u54ea\u88e1\uff08\u898f\u5283\uff09\u6216\u8005\u55ae\u7d14\u5b58\u4e0b\u4f86\uff08\u7406\u8ca1\uff09\u66f4\u6709\u8a08\u5283\u4e00\u9ede\u7684\u4eba\uff0c\u6703\u53bb\u8a08\u7b97\u81ea\u5df1\u8981\u5b58\u591a\u4e45\u7684\u96f6\u7528\u9322\uff0c\u624d\u80fd\u8cb7\u5230\u60f3\u8981\u7684\u6771\u897f\u3002

\u6709\u4e9b\u4eba\u4e00\u53e3\u6c23\u62ff\u53bb\u8cb7\u559c\u6b61\u7684\u73a9\u5177\uff0c\u800c\u6211\u662f\u4e00\u534a\u7684\u96f6\u7528\u9322\u62ff\u53bb\u8cb7\u96f6\u98df\uff0c\u4e00\u534a\u5b58\u8d77\u4f86\u7684\u90a3\u7a2e\u3002\u6211\u5011\u4e00\u5b9a\u90fd\u66fe\u5728\u5fc3\u4e2d\u898f\u5283\u96f6\u7528\u9322\u600e\u9ebc\u7528\uff0c\u6211\u89ba\u5f97\u9019\u5c31\u662f\u5f88\u57fa\u672c\u7684\u7406\u8ca1\u898f\u5283\u4e86\u3002

\u7136\u800c\uff0c\u7576\u6211\u5011\u7d93\u6fdf\u7368\u7acb\u5f8c\uff0c\u638c\u63e1\u7684\u6536\u5165\u3001\u5fc5\u8981\u7684\u652f\u51fa\u3001\u60f3\u8cb7\u7684\u6771\u897f\uff0c\u90fd\u6bd4\u5c0f\u6642\u5019\u9084\u8981\u591a\uff0c\u9019\u6642\u5c31\u9700\u8981\u505a\u66f4\u7cbe\u6e96\u7684\u7406\u8ca1\u898f\u5283\uff0c\u5982\u679c\u4ecd\u7136\u96a8\u5fc3\u6240\u6b32\u7684\u8a71\uff0c\u5bb9\u6613\u9020\u6210\u5165\u4e0d\u6577\u51fa\u3001\u96f6\u5b58\u6b3e\u7684\u6708\u5149\u65cf…\u7b49\u60c5\u6cc1\u767c\u751f\u3002

\u63a5\u4e0b\u4f86\u8b93\u6211\u5011\u8ac7\u8ac7\uff0c\u4e0d\u505a\u7406\u8ca1\u898f\u5283\u5c0d\u751f\u6d3b\u7684\u5f71\u97ff\u5427\uff01<\/p>\n\n\n\n

\u5ef6\u4f38\u95b1\u8b80\uff1a\u6708\u5149\u65cf\u5982\u4f55\u5b58\u9322\uff1f3\u500b\u7406\u8ca1\u4efb\u52d9\u64fa\u812b\u6708\u5149\u65cf\u4e26\u958b\u59cb\u6295\u8cc7<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n

\u4e8c\u3001\u70ba\u4ec0\u9ebc\u7406\u8ca1\u898f\u5283\u90a3\u9ebc\u91cd\u8981\uff1f<\/h2>\n\n\n\n

\u5927\u5bb6\u90fd\u77e5\u9053\u5165\u4e0d\u6577\u51fa\u5f88\u53ef\u6015\uff0c\u56e0\u70ba\u9664\u4e86\u6c92\u5b58\u6b3e\u5916\uff0c\u9084\u6703\u88ab\u8ca0\u50b5\u8ffd\u8457\u8dd1\u3002

\u90a3\uff0c\u96f6\u5b58\u6b3e\u7684\u6708\u5149\u65cf\u53ef\u6015\u55ce\uff1f\u7d93\u71df\u90e8\u843d\u683c\u9019\u4e00\u5e74\u591a\u4f86\uff0c\u59ae\u5a1c\u9047\u5230\u4e0d\u5c11\u6708\u5149\u65cf\u8b80\u8005\uff0c\u5411\u6211\u8a62\u554f\uff1a\u300c\u6211\u51fa\u793e\u6703\u8d85\u904eN\u5e74\u4e86\uff0c\u6708\u5165\u4e5f\u67093\u842c\u4ee5\u4e0a\uff0c\u4f46\u6236\u982d\u88e1\u59cb\u7d42\u6c92\u4ec0\u9ebc\u9322\uff0c\u6211\u8a72\u600e\u9ebc\u8fa6\uff1f\u300d

\u539f\u672c\u6211\u4ee5\u70ba\u6708\u5149\u65cf\u4e26\u4e0d\u64d4\u5fc3\u6c92\u5b58\u6b3e\uff0c\u4ed6\u5011\u53ef\u80fd\u5c31\u662f\u559c\u6b61\u9019\u6a23\u7684\u751f\u6d3b\u65b9\u5f0f\uff0c\u8cfa\u591a\u5c11\u3001\u82b1\u591a\u5c11\uff1b\u4f46\u7d93\u904e\u597d\u5e7e\u4f4d\u8b80\u8005\u5411\u6211\u8a62\u554f\u76f8\u540c\u7684\u554f\u984c\uff0c\u6211\u767c\u73fe\u4ed6\u5011\u9084\u662f\u6703\u5c0d\u65bc\u6236\u982d\u7a7a\u7a7a\u611f\u5230\u7126\u616e<\/strong>\u3002

\u96d6\u7136\u5f88\u73fe\u5be6\uff0c\u4f46\u662f\u300c\u64c1\u6709\u4e00\u7b46\u91d1\u9322\uff0c\u662f\u4e00\u7a2e\u5b89\u5168\u611f\u300d\u9019\u4e5f\u662f\u6211\u70ba\u4ec0\u9ebc\u90a3\u9ebc\u91cd\u8996\u898f\u5283\u6536\u5165\u3001\u7d2f\u7a4d\u5b58\u6b3e\u9019\u4ef6\u4e8b\uff0c\u6211\u64d4\u5fc3\u672a\u4f86\u6709\u4e00\u5929\u751f\u75c5\u4ed8\u4e0d\u8d77\u91ab\u7642\u8cbb\u3001\u6211\u64d4\u5fc3\u7a81\u767c\u7684\u610f\u5916\u9700\u8981\u5927\u7b46\u7684\u91d1\u9322\u3002

\u64c1\u6709\u4e00\u7b46\u5b89\u5fc3\u7684\u5b58\u6b3e\uff0c\u5148\u5e6b\u81ea\u5df1\u7684\u672a\u4f86\u505a\u597d\u6e96\u5099\uff0c\u624d\u66f4\u80fd\u5728\u751f\u6d3b\u4e0a\u7121\u5f8c\u9867\u4e4b\u6182\uff0c\u5f80\u81ea\u5df1\u7684\u4eba\u751f\u76ee\u6a19\u524d\u9032\u3002

\u5982\u679c\u5728\u770b\u6587\u7ae0\u7684\u4f60\uff0c\u76ee\u524d\u662f\u6708\u5149\u65cf\u7684\u8a71\uff0c\u8981\u600e\u9ebc\u5b58\u9322\u5462\uff1f\u5176\u5be6\u5c31\u662f\u300c\u63a7\u5236\u617e\u671b\uff0c\u53ea\u8cb7\u9700\u8981\u7684\u6771\u897f<\/strong>\u300d\u5982\u679c\u7121\u6cd5\u63a7\u5236\u81ea\u5df1\u7684\u617e\u671b\uff0c\u53c8\u600e\u9ebc\u80fd\u638c\u63e1\u81ea\u5df1\u7684\u4eba\u751f\u5462\uff1f\u52a0\u6cb9\uff01

\u6211\u66fe\u7d93\u5728
My Plus \u52a0\u5206\u8a8c<\/a>\uff0c\u5beb\u904e\u4e00\u7bc7\u6709\u95dc\u5927\u5b78\u751f\u6295\u8cc7\u7406\u8ca1\u7684\u6587\u7ae0\uff0c\u9019\u7bc7\u6587\u7ae0\u88e1\u9762\u6709\u63d0\u5230\u300c\u5982\u4f55\u5728\u6709\u9650\u7684\u6536\u5165\u4e0b\uff0c\u5b58\u4e0b\u66f4\u591a\u7684\u9322\u300d\u6709\u8208\u8da3\u53ef\u4ee5\u95b1\u8b80\u9019\u7bc7\u6587\u7ae0\uff1a\u5927\u5b78\u662f\u5b78\u7fd2\u6295\u8cc7\u7406\u8ca1\u6700\u597d\u7684\u6642\u671f<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n

\u4e09\u3001\u6211\u76ee\u524d\u7684\u7406\u8ca1\u898f\u5283<\/h2>\n\n\n\n

\u6211\u76ee\u524d\u5c07\u6240\u6709\u5b58\u6b3e\uff0c\u4f9d\u6bd4\u4f8b\u5206\u6210\u4e09\u5927\u90e8\u5206\uff1a\u7dca\u6025\u9810\u5099\u91d1\u3001\u73fe\u91d1\u3001\u6295\u8cc7\u3002<\/p>\n\n\n\n

<\/td>\u76ee\u6a19\u6bd4\u4f8b<\/td>\u76ee\u524d\u6bd4\u4f8b<\/td>\u5dee\u8ddd\u539f\u56e0<\/td><\/tr>
\u7dca\u6025\u9810\u5099\u91d1\uff08\u5b58\u9280\u884c\uff09<\/td>\u5b58\u6b3e10%<\/td>\u5b58\u6b3e10%<\/td>–<\/td><\/tr>
\u73fe\u91d1\uff08\u5b58\u9280\u884c\uff09<\/td>\u5b58\u6b3e10%<\/td>\u5b58\u6b3e30%<\/td>\u770b\u4e0b\u65b9\u63cf\u8ff0\uff5e<\/td><\/tr>
\u6295\u8cc7\uff08\u53f0\u80a1\u3001\u7f8e\u80a1\u3001\u57fa\u91d1\uff09<\/td>\u5b58\u6b3e80%<\/td>\u5b58\u6b3e60%<\/td>\u770b\u4e0b\u65b9\u63cf\u8ff0\uff5e<\/td><\/tr><\/tbody><\/table>
\u6211\u7684\u7406\u8ca1\u898f\u5283<\/figcaption><\/figure>\n\n\n\n

\u6211\u7684\u6700\u7406\u60f3\u60c5\u6cc1\u662f\u300c\u6295\u8cc7\u6bd4\u4f8b\u9054\u5230\u5b58\u6b3e\u768480%\u300d\u7562\u7adf\u8d8a\u591a\u7684\u8cc7\u672c\uff0c\u624d\u6709\u6a5f\u6703\u5275\u9020\u8d8a\u591a\u7684\u5831\u916c\u3002

\u30fb\u59ae\u5a1c\u7684\u7db2\u7ad9\u662f\u95dc\u65bc\u65b0\u624b\u6295\u8cc7\u7406\u8ca1\u7684\uff0c\u5982\u679c\u4f60\u6c92\u6709\u4efb\u4f55\u7684\u6295\u8cc7\u7d93\u9a57\uff0c\u53ef\u4ee5\u5148\u95b1\u8b80\u9019\u7bc7\u6587\u7ae0\uff1a\u3010\u5b9a\u671f\u5b9a\u984d\u57fa\u91d1\u5831\u916c\u7387\u3011\u6bd4\u9280\u884c\u5b58\u6b3e\u5229\u606f\u9ad8184\u500d<\/a>

\u5c31\u696d\u5169\u3001\u4e09\u5e74\u96a8\u8457\u6536\u5165\u589e\u52a0\uff0c\u6211\u958b\u59cb\u505a\u55ae\u7b46\u6295\u8cc7\uff08\u5982\u4e00\u6b21\u8cfc\u8cb7\u4e00\u5f35\u80a1\u7968\u3001\u8cfc\u8cb7\u4e00\u6a94\u57fa\u91d1\uff09\u4f46\u4eca\u5e747\u6708\uff0c\u6211\u96e2\u958b\u8077\u5834\uff0c\u6210\u70ba\u81ea\u7531\u5de5\u4f5c\u8005\uff0c\u6536\u5165\u53ea\u5269\u4e0b\u539f\u672c\u7684\u4e09\u5206\u4e4b\u4e00\uff0c\u4e14\u525b\u8d77\u6b65\u3001\u6536\u5165\u4e0d\u7a69\u5b9a\uff0c\u6240\u4ee5\u6211\u6539\u56de\u6210
\u5b9a\u671f\u5b9a\u984d\u5c0f\u984d\u6295\u8cc7<\/a>\uff0c\u4e26\u6c92\u6709\u56e0\u6b64\u800c\u66ab\u505c\u3002

\u6211\u5e0c\u671b\u5c07\u5dee\u8ddd\u768420%\u73fe\u91d1\uff0c\u6162\u6162\u5730\u6295\u5165\u5e02\u5834\uff0c\u7b49\u5f85\u771f\u7684\u6709\u5f88\u4fbf\u5b9c\u7684\u6a19\u7684\u7269\u6642\uff0c\u624d\u6703\u8003\u616e\u55ae\u7b46\u6295\u5165\u3002\u671f\u5f85\u6211\u7684\u5de5\u4f5c\u9010\u6f38\u6b65\u4e0a\u8ecc\u9053\uff0c\u9054\u5230\u5b58\u6b3e80%\u5728\u6295\u8cc7\u5e02\u5834\u7684\u76ee\u6a19\uff01<\/p>\n\n\n\n

\"\u4e00\u9ede\u9ede\u6295\u8cc7\u71df\"<\/a><\/figure>\n\n\n\n
<\/div>\n\n\n\n

\u56db\u3001\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u5fc3\u5f97<\/h2>\n\n\n\n

\u770b\u5b8c\u6211\u7684\u7406\u8ca1\u898f\u5283\uff0c\u61c9\u8a72\u6703\u89ba\u5f97\u4e0d\u600e\u9ebc\u96e3\u5427\uff1f\u5c31\u662f\u628a\u5b58\u6b3e\u5206\u6bd4\u4f8b\u904b\u7528\u3002

\u4f46\u81ea\u5f9e\u5411\u5c08\u696d\u7684\u7406\u8ca1\u898f\u5283\u9867\u554f\u8aee\u8a62\u5f8c\uff0c\u6211\u624d\u767c\u73fe\u81ea\u5df1\u7684\u898f\u5283\u9084\u6709\u5f88\u591a\u4e0d\u8db3\u7684\u5730\u65b9\uff0c\u5927\u81f4\u4e0a\u53ef\u4ee5\u5206\u6210\u4ee5\u4e0b\u7684\u4e09\u9ede\uff1a

1.\u898f\u5283\u5e74\u9650\u592a\u77ed
2.\u898f\u5283\u9805\u76ee\u592a\u5c11
3.\u4e0d\u4e86\u89e3\u4eba\u751f\u5927\u7b46\u652f\u51fa<\/p>\n\n\n\n

<\/div>\n\n\n\n

1.\u898f\u5283\u5e74\u9650\u592a\u77ed<\/h3>\n\n\n\n

\u8a18\u5f97\u7576\u6642\u9867\u554f\u554f\u4e86\u6211\u5e7e\u500b\u554f\u984c\uff0c\u60f3\u4e86\u89e3\u70ba\u6211\u5c0d\u672a\u4f86\u7684\u898f\u5283\uff1a\u300c\u4f60\u672a\u4f86\u6703\u60f3\u8981\u7d50\u5a5a\u55ce\uff1f\u6703\u60f3\u8981\u8cb7\u8eca\uff1f\u8cb7\u623f\u55ce\uff1f\u300d

\u90a3\u6642\uff0c\u6211\u6574\u500b\u6123\u4f4f\u4e86\uff0c\u56e0\u70ba\u6211\u5f9e\u4f86\u6c92\u60f3\u904e\u9019\u4e9b\u4e8b\u60c5\uff0c\u6211\u89ba\u5f97\u5b83\u5011\u96e2\u6211\u597d\u9059\u9060\uff0c\u5c24\u5176\u662f\u8cb7\u623f\u9019\u4ef6\u4e8b\u3002\u6211\u7576\u7136\u60f3\uff0c\u4f46\u6211\u4e0d\u77e5\u9053\u81ea\u5df1\u505a\u4e0d\u505a\u5f97\u5230\u3002

\u4e00\u76f4\u4ee5\u4f86\uff0c\u6211\u90fd\u53ea\u60f3\u5230\u8fd1\u4e00\u3001\u5169\u5e74\u7684\u8cc7\u7522\u8b8a\u5316\u800c\u5df2\uff0c\u6c92\u60f3\u904e\u672a\u4f86\u8cfc\u5165\u8cc7\u7522\u3001\u8eab\u4efd\u6539\u8b8a\u9019\u4e9b\u4e8b\u60c5\u3002

\u5982\u679c\u4e0d\u5f9e\u73fe\u5728\u958b\u59cb\uff0c\u5c07\u60f3\u9054\u6210\u7684\u76ee\u6a19\u653e\u9032\u6211\u7684\u7406\u8ca1\u898f\u5283\u88e1\u9762\uff0c\u6211\u600e\u9ebc\u77e5\u9053\u81ea\u5df1\u8981\u8cfa\u591a\u5c11\u9322\u3001\u5b58\u591a\u5c11\u9322\u3001\u5b58\u591a\u4e45\uff0c\u624d\u6709\u8fa6\u6cd5\u8cb7\u5f97\u8d77\u4e00\u9593\u623f\u5b50\uff08\u6216\u4efb\u4f55\u8cc7\u7522\uff09\uff1f<\/p>\n\n\n\n

<\/div>\n\n\n\n

2.\u898f\u5283\u9805\u76ee\u592a\u5c11<\/h3>\n\n\n\n

\u4e0d\u53ea\u623f\u8eca\u800c\u5df2\uff0c\u5c31\u9023\u4fdd\u96aa\u7b49\u5fc5\u8981\u7684\u652f\u51fa\uff0c\u4e5f\u61c9\u8a72\u8981\u898f\u5283\u9032\u53bb\u3002

\u9867\u554f\u544a\u8a34\u6211\uff0c\u7406\u8ca1\u898f\u5283\u5305\u542b\u9019\u516b\u5927\u9805\uff1a\u73fe\u91d1\u6d41\u91cf\u3001\u6536\u652f\u7ba1\u7406\u3001\u6295\u8cc7\u7d44\u5408\u7ba1\u7406\u3001\u98a8\u96aa\u4fdd\u969c\u3001\u5b50\u5973\u6559\u80b2\u3001\u8cfc\u5c4b\u76ee\u6a19\u3001\u5275\u696d\u9810\u5099\u3001\u9000\u4f11\u8a08\u756b\u3002

\u8001\u5be6\u8aaa\uff0c\u6211\u53ea\u505a\u5230\u524d\u4e09\u9805\u800c\u5df2\uff08\u73fe\u91d1\u6d41\u91cf\u3001\u6536\u652f\u7ba1\u7406\u3001\u6295\u8cc7\u7d44\u5408\u7ba1\u7406\uff09\u5176\u4ed6\u91cd\u8981\u7684\u4e94\u5927\u9805\uff0c\u6211\u5f9e\u4f86\u90fd\u6c92\u6709\u60f3\u904e\u3002\u6211\u624d\u767c\u73fe\uff0c\u81ea\u5df1\u5c0d\u672a\u4f86\u7684\u751f\u6d3b\u76ee\u6a19\u4e0d\u5920\u660e\u78ba<\/strong>\u3002

\u4f8b\u5982\uff1a\u6211\u60f3\u8981\u63d0\u65e9\u9000\u4f11\uff0c\u4f46\u6211\u6c92\u6709\u8a2d\u5b9a\u5e7e\u6b72\u9000\u4f11\uff0c\u4e5f\u6c92\u6709\u8a8d\u771f\u8a08\u7b97\u61c9\u8a72\u8981\u5b58\u591a\u5c11\uff0c\u624d\u80fd\u5b89\u5fc3\u9000\u4f11\uff1f\u6211\u60f3\u8981\u65c5\u5c45\u5de5\u4f5c\uff0c\u4f46\u6211\u4e0d\u77e5\u9053\u8981\u6e96\u5099\u591a\u5c11\u5b58\u6b3e\uff0c\u624d\u80fd\u5b89\u5fc3\u65c5\u5c45\u5de5\u4f5c\uff1f<\/p>\n\n\n\n

<\/div>\n\n\n\n

3. \u4e0d\u4e86\u89e3\u4eba\u751f\u5927\u7b46\u652f\u51fa<\/h3>\n\n\n\n

\u6211\u89ba\u5f97\u8981\u505a\u5230\u50cf\u9867\u554f\u8aaa\u7684\u300c\u5f88\u5b8c\u5584\u7684\u7406\u8ca1\u898f\u5283\u300d\u5c0d\u591a\u6578\u4eba\u4f86\u8aaa\u662f\u6bd4\u8f03\u56f0\u96e3\u7684\uff0c\u56e0\u70ba\u6211\u5011\u5c0d\u65bc\u5927\u90e8\u5206\u7684\u4eba\u751f\u5927\u578b\u652f\u51fa\u4e26\u4e0d\u4e86\u89e3\u3002

\u4f8b\u5982\uff1a\u4e00\u9593\u623f\u5b50\u591a\u5c11\u9322\uff1f\u6211\u7684\u80fd\u529b\u53ef\u4ee5\u8cb7\u591a\u5c11\u7684\u623f\u5b50\uff1f\u8cb8\u6b3e\u591a\u5c11\uff1f\u4ec0\u9ebc\u6642\u9593\u8cb7\u6bd4\u8f03\u597d\uff1f\u5982\u4f55\u9084\u6b3e\uff1f\u751a\u81f3\u7d50\u5a5a\u7684\u8cbb\u7528\uff0c\u4e5f\u662f\u5f9e\u8eab\u908a\u7684\u89aa\u670b\u597d\u53cb\u554f\u4f86\u7684\uff0c\u62cd\u5a5a\u7d17\u3001\u559c\u9905\u3001\u5bb4\u5ba2\u8981\u82b1\u591a\u5c11\u9322\uff1f

\u9084\u6709\u5b50\u5973\u6559\u80b2\u57fa\u91d1…\u7b49\uff0c\u5f88\u591a\u4e00\u751f\u4e2d\u53ef\u80fd\u53ea\u6703\u7d93\u6b77\u4e00\u6b21\u7684\u4e8b\u60c5\uff0c\u5e38\u5e38\u4e5f\u662f\u4eba\u751f\u4e2d\u5f88\u5927\u7b46\u7684\u652f\u51fa\uff0c\u5982\u679c\u6211\u5011\u9047\u5230\u7684\u6642\u5019\u624d\u770b\u770b\u81ea\u5df1\u7684\u5b58\u6b3e\uff0c\u53ef\u80fd\u4e00\u6b21\u5c31\u628a\u8f9b\u82e6\u5b58\u4e0b\u4f86\u7684\u9322\u90fd\u82b1\u5149\u5149\u4e86\uff0c\u6216\u8005\u5f97\u5ef6\u5f8c\u5be6\u73fe\u3002

\u5c08\u696d\u9867\u554f\u5718\u968a\u4e0d\u4e00\u6a23\u7684\u5730\u65b9\u5728\u65bc\uff0c\u4ed6\u5011\u64c1\u6709\u5f88\u591a\u5ba2\u6236\u6848\u4f8b\u8207\u7406\u8ca1\u898f\u5283\u7d93\u9a57\uff0c\u80fd\u5e6b\u6211\u5011\u8a08\u7b97\u51fa\u671f\u671b\u76ee\u6a19\u9700\u8981\u591a\u5c11\u9322\uff0c\u4f8b\u5982\uff1a\u6d77\u5cf6\u5a5a\u79ae\u3001\u6559\u5802\u5a5a\u79ae\u3001\u50b3\u7d71\u5a5a\u79ae…\u7b49\uff0c\u9019\u4e9b\u90fd\u80fd\u5920\u4f30\u9032\u6211\u5011\u7684\u7406\u8ca1\u898f\u5283\u4e2d\u3002

\u9867\u554f\u4e5f\u8ddf\u6211\u5206\u4eab\u5e7e\u500b\u5ba2\u6236\u7684\u4f8b\u5b50\uff0c\u8b93\u6211\u53bb\u4e86\u89e3\u505a\u4eba\u751f\u7406\u8ca1\u898f\u5283\u7684\u91cd\u8981\u6027\u3002<\/p>\n\n\n\n

\u3010\u6545\u4e8b\u4e00<\/strong>\u3011

\u6709\u4e00\u500b\u5bb6\u5ead\uff0c\u5728\u63a5\u53d7\u7406\u8ca1\u898f\u5283\u524d\uff0c\u672c\u4f86\u60f3\u8cb7\u5343\u842c\u7684\u623f\u5b50\uff0c\u4f46\u7d93\u904e\u898f\u5283\u5f8c\uff0c\u9867\u554f\u5718\u968a\u8a8d\u70ba\uff0c\u4ee5\u4ed6\u5011\u7684\u72c0\u6cc1\uff0c\u9019\u6a23\u7684\u6c7a\u7b56\u53ef\u80fd\u6703\u9020\u6210\u4ed6\u5011\u5f88\u5927\u7684\u58d3\u529b\uff0c\u5c07\u72a7\u7272\u6389\u4eba\u751f\u4e2d\u540c\u6a23\u91cd\u8981\u7684\u4f11\u9592\u5a1b\u6a02\uff0c\u56e0\u6b64\u5efa\u8b70\u4ed6\u5011\u53ef\u4ee5\u6539\u8cb7700-800\u842c\u7684\u623f\u5b50\uff0c\u9019\u6a23\u751f\u6d3b\u80fd\u904e\u5f97\u66f4\u6e38\u5203\u6709\u9918\u4e00\u9ede\u3002

\u3010\u6545\u4e8b\u4e8c<\/strong>\u3011

\u6709\u4e00\u4f4d\u55ae\u89aa\u5abd\u5abd\uff0c\u672a\u4f86\u60f3\u8981\u9001\u5c0f\u5b69\u51fa\u570b\u8b80\u66f8\uff0c\u4f46\u7d93\u904e\u898f\u5283\u5f8c\u767c\u73fe\uff0c\u4ee5\u5979\u76ee\u524d\u7684\u6536\u5165\uff0c\u8981\u9001\u5c0f\u5b69\u51fa\u570b\u8b80\u66f8\u662f\u4e0d\u53ef\u80fd\u7684\u4e8b\uff0c\u65bc\u662f\u5979\u958b\u59cb\u60f3\u8fa6\u6cd5\u8f49\u63db\u8dd1\u9053\u3001\u5275\u9020\u66f4\u591a\u7684\u6536\u5165\uff0c\u5728\u591a\u5e74\u5f8c\u9054\u6210\u4e86\u9001\u5c0f\u5b69\u51fa\u570b\u8b80\u66f8\u7684\u76ee\u6a19\u3002<\/p>\n\n\n\n

\u807d\u5b8c\u9867\u554f\u7684\u5206\u4eab\uff0c\u6211\u624d\u767c\u73fe\uff0c\u6709\u6642\u5019\u6211\u5011\u8aa4\u4ee5\u70ba\u81ea\u5df1\u7684\u6536\u5165\u53ef\u4ee5\u9054\u5230\u60f3\u8981\u7684\u76ee\u6a19\uff0c\u4f46\u5982\u679c\u4e0d\u7d93\u8a08\u7b97\uff0c\u5bb9\u6613\u5ffd\u7565\u6389\u81ea\u5df1\u9084\u5dee\u4e86\u591a\u5c11\u3002\u82e5\u80fd\u63d0\u65e9\u898f\u5283\uff0c\u4e0d\u4f46\u80fd\u7acb\u5373\u8abf\u6574\u884c\u52d5\uff0c\u9084\u80fd\u96e2\u76ee\u6a19\u66f4\u9760\u8fd1\u4e00\u9ede\uff01<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u4e94\u3001\u7e3d\u7d50\uff1a\u771f\u7684\u9700\u8981\u5c08\u696d\u7684\u7406\u8ca1\u898f\u5283\u9867\u554f\u55ce\uff1f<\/h2>\n\n\n\n

\u8aee\u8a62\u5b8c\u5f8c\uff0c\u6211\u8208\u596e\u5730\u8ddf\u5bb6\u4eba\u3001\u670b\u53cb\u5206\u4eab\u9ad4\u9a57\u5fc3\u5f97\uff0c\u5927\u90e8\u5206\u7684\u4eba\u90fd\u89ba\u5f97\u6c92\u5fc5\u8981\u82b1\u9322\u505a\u7406\u8ca1\u898f\u5283\uff08\u53ef\u80fd\u6211\u7576\u6642\u4e5f\u8b1b\u5f97\u4e0d\u5920\u6e05\u695a\u5427XD\uff09\u4f46\u6211\u9084\u662f\u89ba\u5f97\u8981\u5c07\u81ea\u5df1\u7684\u4eba\u751f\u898f\u5283\u5f97\u66f4\u9577\u9060\u4e00\u9ede\u3002

\u5982\u679c\u6211\u5011\u80fd\u5920\u6709\u6e05\u695a\u7684\u76ee\u6a19\uff0c\u4e26\u5f9e\u73fe\u5728\u7684\u6bcf\u4e00\u5929\uff0c\u52aa\u529b\u7684\u671d\u8457\u90a3\u500b\u76ee\u6a19\u524d\u9032\uff0c\u6211\u76f8\u4fe1\u90a3\u7a2e\u611f\u89ba\u6703\u662f\u5f88\u8e0f\u5be6\u7684\uff0c\u800c\u4e14\u6211\u5011\u77e5\u9053\u53ef\u4ee5\u9054\u5230\u76ee\u6a19\uff0c\u672a\u4f86\u4e5f\u5c31\u5c11\u4e86\u9ede\u6a21\u7cca\u3001\u8ff7\u832b\u3002

\u7e3d\u7d50\u4f86\u8aaa\uff0c\u6211\u89ba\u5f97\u7406\u8ca1\u898f\u5283\u6709\u9ede\u50cf\u662f\u300c\u4f9d\u7167\u4f60\u7406\u60f3\u7684\u751f\u6d3b\u53bb\u505a\u898f\u5283\uff0c\u4e26\u4e00\u6b65\u6b65\u7684\u57f7\u884c\u5b83<\/strong>\u300d\u5f88\u6176\u5e78\u81ea\u5df1\u6709\u6a5f\u6703\u9ad4\u9a57\u9019\u6a23\u7684\u7406\u8ca1\u898f\u5283\u8aee\u8a62\uff0c\u8b93\u6211\u91cd\u65b0\u5be9\u601d\u81ea\u5df1\u7684\u7406\u8ca1\u898f\u5283\uff0c\u4e5f\u5c0d\u9019\u500b\u9818\u57df\u6709\u4e86\u65b0\u7684\u898b\u89e3\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u516d\u3001\u3010\u59ae\u5a1c\u8b80\u8005\u7368\u4eab\u30112\u5c0f\u6642\u514d\u8cbb\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u670d\u52d9<\/h2>\n\n\n\n

\u59ae\u5a1c\u662f\u5411\u5b89\u777f\u5b8f\u89c0\u7406\u8ca1\u898f\u5283\u9867\u554f\u516c\u53f8<\/a>\u8aee\u8a62\u300c\u8a2d\u5b9a\u76ee\u6a19\u300d\u7684\u90e8\u5206\uff0c\u670d\u52d9\u6d41\u7a0b\u5982\u4e0b\uff1a

1. \u8a2d\u5b9a\u76ee\u6a19 \uff08\u514d\u8cbb\u8aee\u8a62\u9ad4\u9a57\u9805\u76ee\uff09
2. \u64ec\u5b9a\u7406\u8ca1\u8a08\u756b
3. \u57f7\u884c\u7406\u8ca1\u8a08\u756b
4. \u6301\u7e8c\u9867\u554f\u670d\u52d9

\u9867\u554f\u5f88\u5927\u65b9\u5730\uff0c\u63d0\u4f9b\u59ae\u5a1c\u7684\u8b80\u8005\u300c2\u5c0f\u6642\u514d\u8cbb\u7406\u8ca1\u898f\u5283\u8aee\u8a62<\/strong>\u300d\u53ea\u8981\u586b\u8868\u55ae\u5c31\u80fd\u5f97\u5230\u5c08\u696d\u7684\u7406\u8ca1\u9867\u554f\u8aee\u8a62\u670d\u52d9\u5594\uff5e\u5982\u679c\u4f60\u60f3\u8981\u66f4\u6df1\u5165\u77ad\u89e3\u7406\u8ca1\u898f\u5283\uff0c\u771f\u5fc3\u63a8\u85a6\u53ef\u4ee5\u53bb\u9ad4\u9a57\u770b\u770b\u3002<\/p>\n\n\n\n

\n
\u586b\u8868\u55ae\u7372\u5f97 2\u5c0f\u6642\u514d\u8cbb\u7406\u8ca1\u898f\u5283\u8aee\u8a62\u670d\u52d9<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u4e03\u3001\u3010\u59ae\u5a1c\u8b80\u8005\u512a\u60e0\u30119.5\u5c0f\u6642\u300c\u81ea\u52d5\u7406\u8ca1\u5be6\u6230\u8ab2\u300d<\/h2>\n\n\n\n

\u9019\u662f\u59ae\u5a1c\u4e0a\u904e\u89ba\u5f97\u975e\u5e38\u624e\u5be6\u7684\u7406\u8ca1\u8ab2\u7a0b\uff0c\u5f88\u9069\u5408\u60f3\u8981\u597d\u597d\u6aa2\u8996\u81ea\u5df1\u8ca1\u52d9\u72c0\u6cc1\u7684\u4eba\uff0c\u73fe\u5728\u4f7f\u7528\u59ae\u5a1c\u7684\u5c08\u5c6c\u9023\u7d50<\/a>\u5831\u540d\uff0c\u9084\u53ef\u4ee5\u4eab\u6709\u89aa\u53cb\u512a\u60e0\u50f9\uff0c\u53ea\u8981 $1000\uff08\u539f\u50f9$8,000\uff09

\u9ede\u64ca\u4e0b\u65b9\u5716\u7247\uff0c\u5373\u53ef\u5831\u540d\u300c\u81ea\u52d5\u7406\u8ca1\u5be6\u6230\u8ab2\u300d<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n
<\/div>\n\n\n\n
\"\"<\/a><\/figure>\n\n\n\n

\u55e8\uff01\u6211\u662f\u59ae\u5a1c \ud83d\ude42 \u9019\u500b\u7db2\u7ad9\u4e3b\u8981\u5206\u4eab\u65b0\u624b\u6295\u8cc7&\u90e8\u843d\u683c\u7d93\u71df\u7684\u5167\u5bb9\u3002

\u3010\u95dc\u65bc\u90e8\u843d\u683c\u7d93\u71df\u3011\u6211\u5f9e2019\u5e74\u958b\u59cb\u7d93\u71df\u90e8\u843d\u683c\uff0c\u4e00\u5e74\u534a\u5f8c\uff0c\u8e0f\u4e0a\u5168\u8077\u90e8\u843d\u683c\u5275\u696d\u4e4b\u8def\uff0c\u5be6\u73fe\u81ea\u7531\u5de5\u4f5c\u6642\u9593\u8207\u5730\u9ede\u7684\u9858\u671b\uff0c\u5982\u679c\u4f60\u4e5f\u60f3\u77e5\u9053\u5982\u4f55\u900f\u904e\u90e8\u843d\u683c\u6301\u7e8c\u7372\u5f97\u6536\u5165\uff0c\u6b61\u8fce\u89c0\u770b\u6211\u6e96\u5099\u7684 18 \u5206\u9418\u5206\u4eab\u6703\u300c
\u900f\u904e\u90e8\u843d\u683c\u6301\u7e8c\u7372\u5f97\u5ba2\u6236\u76844\u500b\u79d8\u5bc6<\/a>\u300d

\u3010\u95dc\u65bc\u6295\u8cc7\u3011\u6211\u76ee\u524d\u4e3b\u8981\u6703\u6295\u8cc7\u5728\u300c\u57fa\u91d1\u8207\u7f8e\u80a1ETF\u300d\uff0c\u56e0\u70ba\u6bd4\u8f03\u597d\u5165\u9580\uff0c\u4e14\u4e0d\u9700\u8981\u76ef\u76e4\uff0c\u975e\u5e38\u9069\u5408\u60f3\u6295\u8cc7\uff0c\u4f46\u6c92\u6642\u9593\u6216\u6c92\u8208\u8da3\u6df1\u5165\u7814\u7a76\u80a1\u7968\u7684\u4eba\uff01

\u5982\u679c\u4f60\u4e5f\u60f3\u5b78\u7fd2\u6211\u7684\u6295\u8cc7\u65b9\u6cd5\uff0c\u6211\u6709\u4e00\u5802\u5c08\u9580\u70ba\u6295\u8cc7\u65b0\u624b\u8a2d\u8a08\u7684\u7dda\u4e0a\u8ab2\u7a0b\uff0c\u5c07\u6703\u4e00\u6b65\u6b65\u5e36\u4f60\u5f9e0\u958b\u59cb\uff0c\u5c31\u7b97\u4f60\u8ddf\u6211\u4e00\u6a23\u5b8c\u5168\u6c92\u6709\u91d1\u878d\u80cc\u666f\u3001\u525b\u958b\u59cb\u6c92\u6709\u5f88\u591a\u7684\u5b58\u6b3e\uff0c\u4e5f\u80fd\u958b\u59cb\u6295\u8cc7\uff01

\u8a73\u7d30\u8ab2\u7a0b\u8cc7\u8a0a\uff1a
\u300a\u4e00\u9ede\u9ede\u6295\u8cc7\u71df \u300b – \u7528\u6700\u7c21\u55ae\u7684\u65b9\u5f0f\uff0c\u958b\u59cb\u6295\u8cc7\uff01<\/a><\/p>\n\n\n

\n